Adobe Rent a Car insurance coverage

Car Rental Costa Rica » Adobe Rent a Car insurance coverage

Adobe Rent a Car insurance coverage

Looking for car rental insurance coverage to meet your travel and business needs in Costa Rica? Look no further than Adobe Rent a Car! As the largest and most comprehensive rental car agency in the country, we offer a wide range of rental options, from one-day rentals to long-term vehicle renting, and from simple sedans to commercial vans or pickups.

Car rental insurance coverage to meet your travel and business needs

At Adobe Rent a Car, we understand that insurance coverage is an essential aspect of any rental experience. That's why we work directly with you to determine the type of vehicle and insurance coverage that best fits your vacation or business needs. With no hidden fees and a commitment to a straightforward and hassle-free rental process, you can trust us to provide the perfect insurance coverage for your next trip to Costa Rica.

Is car rental insurance mandatory in Costa Rica?

In Costa Rica, Liability Protection Insurance (PLI) is a mandatory requirement for all rentals and rental car agencies. At Adobe Rent a Car, we provide limited liability coverage and financial responsibility for incidents involving third parties. The daily rate for PLI car rental insurance in Costa Rica is included in your rental agreement.

Our Adobe PLI liability insurance covers up to $20,000 in damages to a third party, with a 20% deductible or a minimum fee of $1,000. However, note that the PLI does not cover any damages to the rental car itself, and personal injury protection is not included in the PLI either.

If a third party who is not traveling in the rental car is injured or dies, your Adobe PLI will cover up to US $100,000 per accident with no deductible. For even more comprehensive coverage, you can opt to add Adobe's full coverage Extended Protection (SPP), which increases your liability coverage to $5 million. With SPP, all damages to third parties, including vehicles and people, will be waived, and you pay nothing in the event of an accident.

To ensure your peace of mind, we also offer additional coverage options, including Adobe Loss and Damage Coverage (LDW) and coverage provided by the renter's major credit card. We recommend Extended Protection Coverage (SPP) for the most comprehensive protection.

Please note that a $1,000 guarantee deposit is required for all vehicle rental agreements, which you can make with a valid Visa, Mastercard, Discovery, or American Express credit card. Debit cards are accepted with some restrictions, but cash is not accepted. Upon returning the vehicle, we'll submit an electronic request to release the $1,000 deposit, and the funds will be available depending on your bank's processing time. Trust Adobe Rent a Car for all your car rental insurance needs in Costa Rica.

How does Costa Rica Car rental insurance work?

When you rent a car from Adobe, you'll be offered professional coverage at competitive and transparent rates, with no hidden fees. We provide various insurance options to choose from, including:

Adobe Car Protection Plan (LDW), also known as a loss and damage waiver, CDW insurance Costa Rica, or collision damage waiver (CDW coverage). Our LDW coverage provides basic rental car coverage during the rental period, including:

  • Waiving the client's financial responsibility in the event of a collision, roll-over, or other damages to the rental car.
  • Coverage for partial or total theft of the vehicle.
  • LDW deductible or excess amount is $1,000.

Please note that vandalism and tire damages are not covered under the LDW, and third-party damages are also not covered.

In the event of a collision, roll-over, or damage to the vehicle, an Adobe representative will assist you with filing a claim. Incident processing includes the vehicle appraisal, damage and downtime reports, repair reports, and more.

At Adobe Rent a Car, we want to ensure you have the protection you need and the peace of mind you deserve. Trust us for all your car rental insurance needs in Costa Rica.

Your Credit Card’s LDW

Primary coverage options:  Several conditions apply if you wish to decline Adobe’s LDW coverage. Some clients choose to use the secondary coverage offered by their major credit card’s LDW coverage. The credit card companies we accept are Mastercard, Discover, and Amex.

Important.  What happens If you decline our Adobe LDW? You assume 100% responsibility for any and all damages incurred to the car during the rental.

You will first have to pay for the repairs and related fees while in Costa Rica. Only then can you file a claim to be reimbursed by your card carrier. Even though your credit card may cover damages to your car in Costa Rica.

Important. You must pay the total cost of the rental service with the same credit card used to decline the LDW insurance. Debit cards are only accepted under certain circumstances.

American Express rental car insurance coverage.  The following conditions apply if you want to use your Amex travel insurance as your car rental coverage. You have to enroll for the service ahead of time and pay the indicated flat rate. The rate varies per country, per rental period, and the coverage you choose.

What happens if I have an accident?

In the event you have an accident in Costa Rica, make sure you follow these important steps:

  • Call 911 and report the incident. The emergency contact number for police, ambulance, fire, or any other emergency in Costa Rica is 911.
  • Explain to the dispatcher that you’ve had an accident. Then a traffic police officer or “trafico” will be dispatched to your location. Make sure to let them know if you require medical assistance.
  • Do not move the vehicle: You should not change any aspect of the accident scene until authorized by the traffic police. This is for insurance purposes under Costa Rican law. Do not move your car out of the flow of traffic. Most rent a car insurance, Costa Rica, agents will need to photograph the scene to determine who is responsible.
  • Call our ADOBE hotline IMMEDIATELY: Report the incident to the attending agent. Call +(506) 2542-4800 during office hours between 8 a.m. and 5 p.m. Costa Rica time. After office hours call +(506) 2542-4888.
  • Alert other drivers of any danger.  Place the red emergency triangle on the road about 15 feet before the scene of the accident. This will alert other drivers of possible danger.

If you opted to use your credit card’s LDW coverage and complied with the required conditions:

  • Work with your Adobe agent during the claim process. We will provide you with the necessary documents for your insurance carrier when you make a claim. Make sure you read the terms and conditions carefully beforehand to understand what’s covered and what isn’t.
  • Make sure to sign the claim so that we at Adobe can assist with the credit card provider’s processing requirements.

What happens if I have an accident and need to leave the country?

To leave the country while an accident claim is being processed, you must provide Adobe with:

  • A current accident report in the preset format: Complete the procedures requested by Adobe and required by Costa Rican law.
  • Grant Adobe Rent a Car power of attorney so we can continue the claim after you leave.

Feel free to contact one of our bilingual Adobe agents at Or call 1 (855) 861-1250 (8 a.m. to 5 p.m. Central Time). We’ll be happy to answer any questions or concerns you have about the insurance process.

Some vital facts to consider if you decline the Adobe LDW

In order to make an LDW car rental insurance decline you must:

  • Ensure that your major credit card is current. And make sure it provides LDW coverage in Costa Rica for the vehicle you are renting.
  • Remember that the owner of the card must also be the driver of the rental car.
  • Be aware of the terms and conditions of your credit card’s LDW.
  • You can NOT waive the Adobe LDW if you pay with a debit card.
  • Present a document that proves your credit card insurance covers the rental conditions.
Third party waiver (TPW)

Our TPW coverage is available to customers who decline LDW using their credit card protection. With the TPW, coverage for third-party property damage can be increased to $2 million and the deductible reduced to $0. This coverage will be offered by our agents at the time of the rental only to clients who present all the documentation required to decline the LDW.

Extended Protection Coverage (SPP)

With our Supplemental Protection Plan (SPP) your concerns for safety and security are covered. Our SPP is a comprehensive coverage that ensures our client’s needs are taken care of. Be it an accident in Guanacaste or a fender-bender in downtown San José.

A rental agreement with extended protection waives the deductibles from your LDW and PLI. With a ZERO deductible you will be fully covered If anything happens to the car. It also covers damages to a third party

This applies both for both third party damages as well as for damages to the vehicle.

Our SPP ensures that your time in Costa Rica will be spent with peace of mind. For vacation or business! No matter what happens on the road.

Adobe SPP coverage includes:

  • Nation-wide 24/7 roadside assistance, including tow truck service.
  • No deductible. The PLI’s 20% deductible for third-party damages is waived.
  • Insurance coverage is extended up to $2 million per event.
  • Vandalism damages to the car are covered. This includes the tires and windows.
What car rental insurance should I purchase?

If you're renting a car in Costa Rica, you might be wondering about rental car insurance costs. At Adobe, we want to make your rental experience safe, positive, and hassle-free. We understand that driving in a foreign country can be challenging, and accidents can happen. That's why we offer Extended Protection Coverage (SPP) at a low daily rate with no hidden fees, providing you with peace of mind on the road.

What happens if you choose not to purchase SPP coverage? We highly recommend opting for Adobe LDW instead, which is less complicated than relying on credit card providers for insurance coverage. With LDW, you'll only need to pay the $1,000 deductible, and nothing more. In contrast, relying on your credit card insurance means you'll have to pay the full amount of damages upfront, then file a claim and wait for reimbursement.

At Adobe Rent a Car, we believe in providing our clients with straightforward and affordable rental car insurance options. Choose the coverage that best fits your needs and budget and enjoy your travels in Costa Rica with confidence.

What are the rules I must follow to ensure my Adobe rental car coverage?

Clients who do not follow the Adobe rules and regulations regarding car rental coverage will lose their coverage benefits. Be aware that the PLI, LDW (from Adobe or another provider), or the SPP will not apply under the following circumstances:

  • Failure to report an incident (collision or damages) to Adobe Rent a Car Company immediately after the event occurs.
  • If the driver is under the influence of drugs or alcohol at the time of the event.
  • If the driver is not authorized or inscribed as an additional driver in the Adobe rental agreement and damages occur.
  • Any damages incurred while driving on unauthorized terrain or not officially recognized roads. This includes rivers, lakes, beaches, mangroves, flooded roads, or “off-road” conditions.
  • Failure to comply with the legal claim process with the corresponding insurance company. This includes, but is not limited to:
    • Failure to report the incident to the Transit Police.
    • Failure to report the incident or claim to the insurance company.
    • Failure to comply with all legal process requirements.

Can I rent a car without insurance?

No.  You cannot rent a car without insurance in Costa Rica. Even if you purchase private international insurance coverage for you and your family in your home country. Costa Rican law does not recognize such plans for vehicle rentals.

Can I use my personal auto insurance?

Your personal car insurance back home is not valid in Costa Rica.

Most international travel insurance packages include personal effects coverage. We recommend you purchase travel insurance. You will be covered if any of your goods or valuables are lost, damaged, or stolen while visiting.

Does full coverage insurance cover rental cars? 

Most personal accident insurance providers cover rentals in their home country. Some do so abroad. However, Costa Rican law does not recognize such plans.

For your ultimate peace of mind, we recommend you opt for Adobe’s LDW or SPP coverage.

Traveling in a foreign country is exciting. But accidents can and sometimes do happen. Enjoy the beauty and excitement of road travel without worrying about the worst-case scenario. Rest assured, at Adobe Rent a Car, we’ve got you covered!

Contact your Adobe Rent a Car representative if you have questions or concerns about your car rental coverage.

We want your vacation or business trip to be as positive and as worry-free as possible. Feel free to contact one of our bilingual representatives with any questions or concerns you might have.

E-mail Or call: +(506) 2542-4800; toll-free from the U.S. and Canada: +1 (855) 861-1250. Office hours are between 8:00 a.m. and 5:00 p.m. Central Time.